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Jurnal Bisnis, Ekonomi, Manajemen, dan Kewirausahaan Abnus Publisher

An Analysis of Financial Behavior Among Lecturers at Universidade da Paz (UNPAZ)

2022-11-30
Published
103-112
Pages
OPEN
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LA
Leonardo Bele Bau Amaral
Universitas Hayam Wuruk Perbanas, Surabaya
RI
Rr. Iramani
Hayam Wuruk Perbanas University, Indonesia
Abstract

Purpose: This study examines the direct and indirect effects of financial experience on the financial behavior of lecturers at Universidade da Paz (UNPAZ).

Research Methodology: A quantitative approach was used, with data collected from 101 lecturers at UNPAZ through questionnaires. Financial behavior was the dependent variable, financial experience was the independent variable, and financial self-efficacy served as the mediating variable. Data analysis was conducted using Structural Equation Modeling—Partial Least Squares (SEM-PLS) via the WARP-PLS 8 application.

Results: The findings reveal that financial experience directly and indirectly influences financial behavior. Financial self-efficacy mediates the relationship between financial experience and financial behavior, highlighting the importance of self-confidence in improving financial behavior.

Conclusions: The study concludes that both financial experience and self-efficacy significantly affect the financial behavior of university lecturers. Financial self-efficacy enhances the impact of financial experience on behavior, suggesting that strengthening financial experience and self-confidence can lead to better financial decision-making and management. Institutions should focus on developing these factors to improve financial literacy and behavior among their staff.

Limitations: This study is limited to 101 lecturers at a single university in Timor-Leste, which may limit the generalizability of the findings. It focuses on financial experience, self-efficacy, and financial behavior, without considering other factors like financial knowledge or socio-economic influences.

Contributions: This research emphasizes the importance of financial experience and self-efficacy in shaping financial behavior and offers insights for improving financial literacy and decision-making among university staff.

Financial Behavior Financial Experience Financial Literacy Financial Self-Efficacy
How to Cite
Amaral, L. B. B. ., & Iramani, R. . (2022). An Analysis of Financial Behavior Among Lecturers at Universidade da Paz (UNPAZ). Jurnal Bisnis, Ekonomi, Manajemen, Dan Kewirausahaan , 2(2), 103-112. https://doi.org/10.52909/jbemk.v4i2.182
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How to Cite

Amaral, L. B. B. ., & Iramani, R. . (2022). An Analysis of Financial Behavior Among Lecturers at Universidade da Paz (UNPAZ). Jurnal Bisnis, Ekonomi, Manajemen, Dan Kewirausahaan , 2(2), 103-112. https://doi.org/10.52909/jbemk.v4i2.182
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